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                            <strong>保险制度</strong>是建立在大数法则基础上来应对人类所面临人生风险的制度安排。这种制度安排能够带来人类心灵上的祥和与安宁。
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                            如果一个普通家庭中有人得了重大疾病，要么是付不起50万放弃治疗；要么是借债治疗；要么是用家庭储蓄来治疗。如果通过<strong>保险制度</strong>来解决高额的医疗费用，通过保险制度可以解决人的财务负担，让生病都有尊严。
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                            你每年向保险公司交一定的保险费，就像是烧香的香火钱，保险公司保护你不会出事情。如果保险公司没保护好你，违约了，会有几十倍、上百倍的“违约金”给你。所以，从这个角度上说，保险制度就像是最讲信用的“活菩萨”。
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                            保险通过交保费的形式筹集资金，保险资金的应用收益以及理赔受到国家监管部门最严格的监管，而且这个规则是公开透明的。保险机构有一套严格的制度保证每个理赔是真实的，保证这些款项及时送到需要救助的人手中，所以每个人购买保险其实都在做慈善。
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